How Much Is My Home Worth? [The Ultimate Guide]

How Much Is My Home Worth? [The Ultimate Guide]

by | Aug 22, 2023 | Home Ownership Education, Home Sellers and Buyers, Selling My House

You’ve worked really hard to turn your house into your home, and chances are it’s your most valuable asset. But how do you determine its actual value?

Checking your home’s value isn’t as easy as quickly checking a random stock price, right? It takes a little bit more time, knowledge, and finesse.

Your home makes up a large chunk of your net worth, not to mention it’s a really big deal. You know, I’ve heard that half of Americans actually cry when selling their home, and those may be tears of joy, tears of sadness, or, frankly, tears of stress. You know, I get it because your home is probably one of the most valuable things that you own.

Today we’ll dive into the different types of home value, the different factors that affects your home’s value, and different market conditions you want to pay attention to as well. We’ll also discuss the online home value estimators and much, much more. Our goal is to lay out a roadmap for you to help you determine your home’s value!

  1. Types of Home Values

  2. How to Determine Your Homes Value

  3. Home Value Estimator 

  4. Reach Out to a Professional Realtor

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  1. Types of Home Values 

First off, there’s a few different types of values that we can look at. You have the fair market value, you have the appraised value of your property, and the as is value, or the value an investor would give you for your property.

 

Fair Market Value 

Fair market value is what your home would sell for on the open market, giving every buyer a potential to bid on your home. So you can find the buyer willing to pay you the most amount of money.

But in layman’s terms, the fair market value is what the buyer and seller agree the home is worth and agree to sell the home for. This would be done by having a professional Realtor perform a comparative market analysis and an absorption rate. Statistical analysis is the best way to really determine your fair market value for your home.

How Much Is My Home Worth? [The Ultimate Guide]

Your Home Apprasial

 Your appraised value is how much your mortgage lender determines your home’s value to be at. They come to this value by hiring a licensed appraiser appraise your home. The appraiser will actually take a look at your home, take into account the square feet, bedrooms, bathrooms, the location, the updates you have compared to other properties in the area. They put this in an analysis and put it in an appraisal report to help lenders determine your home’s value.

You’ll usually run into this scenario if you’re selling your home on the open market and the buyer that’s buying your home is planning to finance the property. The lender wants an appraiser to give their opinion on the value to make sure they’re not lending $1,000,000 on a home that’s worth $200,000. You will also find this when you are refinancing the property. A lot of the times, the lender will hire an appraiser to go appraise the value and to get a true estimate of your home’s equity.  

How Much Is My Home Worth? [The Ultimate Guide]

As-is Value | Investor’s cash offer

If you’re considering selling to an investor, your home usually needs some work, and the homeowner doesn’t want to do the work. Your home may not be quite move and ready now, so you just want to sell it and be done with the property.

A lot of times, you’re not going to get the most amount of money for the home, but you may be able to avoid some costly repairs that you may need to do to get that fair market value. Investors usually pay anywhere between 60-80% of fair market value for the home.  Are you interested in learning more about the different types of investors? Click Here to view the blog where we dive deep in the different types of cash offers. 

How Much Is My Home Worth? [The Ultimate Guide]

2. How to Determine Your Homes Value

So now that we know the three different types of home values, we’ll go through the steps that you need to take so you know your home’s value. Step number one, you want to make sure you learn the facts about your home in particular, and also the facts about your local housing market.

1. Learn the facts about your home

Believe it or not, your home’s value is not based on what you purchased it for or how great you think your home is. In a nutshell, your home’s value is basically what buyers are willing to pay you for it. So it may be worth a lot more than what you paid for it, or it may be worth a little bit less.

It really comes down to the condition of your home, the features of your home, and the overall market conditions. Here are some of the main factors you’ll want to consider when you’re really trying to determine your home’s value.

          • Location: One of the biggest factors is location, right? Location, location, location. We all know it. Everybody says it. So, is your home located in a good part of town? Is it close to a lot of shops, restaurants, dining? Can you walk to certain places from your home? Is there a certain aspect of your location that adds value or makes your home less desirable? Is your home waterfront? Does it have a golf course view? Are you on a busy road? A lot of these questions will affect your homes value. 
          • Curb Appeal: Does your home really have that wow factor? When buyers pull up, will they be instantly impressed with your home? 
          • Size: You want to pay attention to your homes square feet. How many bedrooms & bathrooms do you have? How big is it compared to some of the other recent sales in the area? 
          • Layout: Do you have an open concept? Is your home a little more congested and closed off? 
          • Stories: How many stories does your home have? The most expensive thing on any home is the roof and the foundation, so it’s cheaper to build up than it is to build out. What this means is when you’re comparing your home to other homes, pay attention to the amount of stories the home has. If your home is a two story home and has 2,500 square feet and you compare your home to a one story home with 2,500 square feet, it could lead to an incorrect valuation. The one story home is much more expensive to build than your two story home is. 
          • Updates/Renovations:  Buyer’s preferences always change, does your home possess the most modern and desired updates? Do you have granite countertops, quartz countertops? Do you have nice hardwood floors throughout? Is your home freshly painted? Does your home possess a more modern color palette?
A lot of things like that will really play into your home’s value and there is frankly a ton of different factors that go into your home’s actual value and buyers weigh them all differently. It’s a little more of an art than a science. Are you interested in learning more about the updates that will maximize your homes value? Click here to learn the 5 updates you can do to MAXIMIZE your homes value.

2.  Learn The Factors Affecting Your LOCAL Housing Market 

Let’s delve into the core elements of the Charlotte housing market that influence your home’s value. While some of these factors are beyond your control, being aware of them can help you make informed decisions.

          • Mortgage Rates: Now a mortgage is a huge financial decision and a higher rate means higher monthly payments. Buyers don’t buy for price point, they buy for payment. So if you see higher mortgage rates, that could actually discourage a lot of buyers from purchasing properties.
          • Seasonal Trends: You also want to consider the time of year. There’s definitely a lot of seasonal trends at play. When you look at the real estate market, statistically, most homes go under contract March, April and May. So you’re going to see a lot more activity then. Now if you get towards the end of the year when school is already in session, maybe November, December, you’re going to see fewer buyers in the market at that time. So that’s something you want to make sure you consider.
          • Supply vs Demand: If you’re looking on the market and you see that there’s a lot of homes currently sitting on the market, that means you got a lot of competition. This could make it harder for you to sell your home.  Now, if you don’t see many homes for sale and the homes on the market are selling quickly, that probably means there’s a lot of buyers and there’s not much to choose from. This has pretty much been the market that we’ve been in for the past few years. If this is the case, you can be more competitive with your price and really push the envelope to get top dollar. A really good way to judge supply versus demand in your market is really take a look at that absorption rate statistical analysis that judges the amount of months inventory currently in your area.

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3.  Look at Similar Homes that Have Recently Sold

When determining your homes value, you want to take a look at some of the recent homes that have sold either in your neighborhood or right in your area.  Please note, location is key. There can be BIG differences from neighborhood to neighborhood. The farther away you get from your home, the worse that comparable property is.

When you take a look at the homes that have recently sold, it gives you a good idea about what buyers have proven they’re willing to pay for homes in the past. You can compare those homes to your house to help you determine how you compare to them. 

I know there’s a lot of things to take into account when you’re trying to determine your home’s value, but a quick online search going to some of the national websites out there can help you find some recent solds near you.

Reaching out to a trusted Realtor is a great way to streamline the process and really help you determine your home’s value. Realtors have access to much better data sets and can help find and determine the best comparable properties, to ensure that you can get top dollar for your home.  

Mortgage rates

3.  Home Value Estimator 

Another great place to start is to get a free online home value estimate or get an AVM, which means Automated Value Model. If you put your address in Google, a lot of different websites will pop up such as Zillow and Redfin.

You can go on those websites and it’ll give you a lot of facts about your home like the square feet, beds, baths, what you bought it for, and what the previous owner bought it for. All that data is public record. It’ll also give you a rough estimate of your home’s value. Now, a lot of times that value is pretty inaccurate. If you have any questions about the Zillow’s estimate and how accurate it actually is, we shot a video diving deep into that very question. Feel free to check it out below:

There are a lot of AVMs out there and not all of them are created equal. So there are some that are a lot more accurate than others. So if you do want to make sure you follow your home’s value like a pro, we actually have a very accurate AVM model that we offer to all of our clients, friends and neighbors. You can sign up below: 

Our tool is completely free. It’s just a service to help you stay up to date on your home’s value. It gives you monthly reports, and it’s actually powered by CoreLogic, so you know it has the most up to date information available. It pulls tons of different data and resources like market conditions and recent sales in your area to give you an automated value so you can track it month to month.

Our system can also keep you up to date on your home’s equity position based on the estimated price. It’s a great way to really stay in touch with how much money you’re sitting on your home and also track your net worth.

There’s a lot that you can actually do to utilize your equity to build wealth. And if you have any questions or want to know more about that, I shot a video diving deep into that with my buddy and lender, Adam Kelly. Feel Free to check that video out below: 

Those are things that will help you determine how you fit in the market. This is all really great data and information that you can give to your Realtor. When you meet with your Realtor you will discuss your home selling goals and what’s the optimal price that you want to put your home on the market for.

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4. Reach Out to a Professional Realtor

The most accurate way to determine your home’s value is to reach out to a professional Realtor you trust in your local market. Realtors have access to better databases, and can look at your home’s nitty gritty details and compare to the most accurate recent sales and current listings and frankly, no algorithm can do that.

A good Realtor will personally come out and take a look at your home. They will take into account the landscaping, the condition of your home, the layout, and the upgrades that you have spent time and money putting into your property as well.

They’ll also take a look at the local market conditions to really help you determine the best price range so you can maximize your profit. One thing you definitely do not want to do is you don’t want to overprice your home. You definitely don’t want to underprice your home either. There’s definitely a sweet spot that’ll help you maximize your value without putting you in a bad position to lose money.

The true value of your home is not based on a formula. It’s based on what a buyer is willing to pay for your home. There’s a lot of factors to consider when you’re trying to determine the best price point, and these four steps will be your roadmap and your guide to help you find the optimal price point to make sure your home sells as quickly as possible for as much money as possible, while making the process easy as well.

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If you are considering buying, selling, or investing in real estate in the Greater Charlotte area, myself and my team would love to be your real estate resource of choice. So feel free to give us a call, text us, email us. We would love to sit down with you, discuss your home’s true value, and create that game plan that helps you and your family achieve your goals.

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📧Email: info@thefinigangroup.com

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Where are all the Homes? [Charlotte Housing Crisis Explained]

Where are all the Homes? [Charlotte Housing Crisis Explained]

by | Jul 7, 2023 | Charlotte NC Housing Market Update, Home Sellers and Buyers, Moving to Charlotte NC, Selling My House, Uncategorized

Let’s address the elephant in the room – “Where are all the available homes for sale?” This burning question has been raised time and again by numerous clients eager to find their dream home. 

Just the other day, one of my clients, Sarah, walked into my office, worry lines etched across her face. “Why are there so few homes currently for sale?” she questioned, frustration seeping into her voice.

It was clear that Sarah was not alone in her annoyance – many of my clients, just as eager to find their next home, are grappling with the same question, all victims of the lack of inventory in the current housing market. 

If you’ve found yourself in the trenches of the housing market over the past few years, this sense of frustration is something you can surely relate to.

As I was explaining to Sarah and my other clients why finding a house in Charlotte is so tough, I thought, why not share this with everyone?

So, here at The Finigan Group, we’ve decided it’s high time to tackle the big question at hand: why is there such a drastic dip in the availability of homes, not only here in Charlotte, North Carolina but also across the United States?

Not just that, we’ll also review some innovative solutions that could potentially improve this prevailing housing crisis.

For those of you who regularly follow our Charlotte Housing Market Updates, one key reason why the housing market remains red hot is the exceptionally low levels of housing inventory.

Here in Charlotte, the average home price has shot up by 29% since January, even with mortgage rates sitting at around 7%.  And to answer the big question – why such low housing inventory? The answer lies in a few key reasons.

 

  1. Lack Of New Construction

  2. Demographic Trends/ Changes

  3. Discouraged Homeowners

  4. Institutional Investors

  5. Restrictive Zoning Laws

  6. Potential Solutions

Where are all the Homes? [Charlotte Housing Crisis Explained]

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1. Lack Of New Construction 

The first major reason for the low housing inventory is the lack of new construction homes. This has been an ongoing issue, and to understand it fully, we need to rewind to the period leading up to the Great Recession in 2008.

Back then, construction of single-family homes were booming, with the rate peaking between 1.3 and 1.5 million homes per year. Builders were keen on cashing in on the early 2000s housing boom.

However, when the bubble burst, it left an excess of homes sitting idle on the market, causing a severe overcrowding of inventory. Builders then shifted their focus towards selling their current inventory of homes, rather than constructing new ones. During this time, many new home builders either filed for bankruptcy or went out of business.

Due to economic strains and a flood of housing inventory during this time, home prices fell by over 30%.

When home sales started to recover around 2011, builders were cautious about how many properties they introduced into the market. This led to a lag between the supply of houses and the demand from buyers. While construction rates have increased in recent years, they’re still well below the levels required to resolve the inventory shortage.

lack of housing inventory - Where are all the Homes? [Charlotte Housing Crisis Explained]

2. Demographic Trends/ Changes

The second key factor contributing to our low housing inventory revolves around demographic shifts and a spike in household formations. Currently, millennials are the largest generation in the U.S., and they’re stepping into the housing market in droves. They currently make up a whopping 43% of home buyers, the largest portion compared to any other generation.

Where are all the Homes? [Charlotte Housing Crisis Explained]

This situation is stirring up a perfect storm. On one side, there’s a considerable reduction in home constructions, and on the other, there’s a massive influx of millennial buyers in the housing market.  This combination has led to a significant spike in demand, all while we have steep fall in supply.

Over the span of eight years, from 2012 to 2020, a staggering 15.6 million new households were established. Moreover, in 2022 alone, more than 2 million households were formed – the highest in the past decade.

Meanwhile, only 11.9 million new homes were built during that time. As a result, by the end of 2022, we were faced with a housing deficit of around 6.5 million homes. 

 

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3. Discouraged Homeowners 

The third factor that’s playing into our low housing market inventory is the high mortgage rates are deterring homeowners from making a move.

 We’ve been accustomed to relatively low rates for a long time. However, in recent years, the Federal Reserve slashed their rates so rapidly that mortgage rates hit all-time lows. As a result, many homeowners either bought a new home or refinanced, locking in a 30-year mortgage at a rate of 2.5% to 3%.   According to a recent Redfin study, 82.4% of all current home owners in the United States have locked in a 30 year mortgage rate of below 5%. Nearly 25% have a mortgage rate below 3%. 

These homeowners now face a quandary when they want to sell their home and buy a new one. The current mortgage rate, which is around 7%-7.5%, is essentially double their existing rate. According to a survey by Realtor.com, 82% of potential home sellers feel effectively locked in their current homes because of these high mortgage rates.

Bear in mind that most homebuyers make their decision based on the monthly payment rather than the total price of the house. Typically, a 1% change in the mortgage rate impacts the purchasing power by about 10%. This dynamic adds pressure on potential home sellers.

At the moment, new listings hitting the market have plummeted by 25% across the U.S. and by 36% in the Charlotte area. 

Mortgage rates - Where are all the Homes? [Charlotte Housing Crisis Explained]

4. Institutional Buyers 

The fourth factor playing into our low housing inventory is the influx of institutional investors acquiring available real estate. These institutional investors are generally large corporations or hedge funds, snapping up thousands of homes throughout the United States. Their goal is to purchase a home cash, and hold it as a long-term rental property.  

This phenomenon is no small matter. In 2021, these investors made up 13.2% of all U.S. home purchases. The issue is even more pronounced in the Charlotte area, where these investors have represented over 30% of home purchases in recent years.

This not only reduces local supply but also ramps up demand, as individual home buyers have to compete against cash offers. Moreover, institutional investors, once they own these properties, don’t tend to sell as often as regular homeowners do.

For a more in-depth understanding, we’ve previously recorded a video focusing on institutional investors and how they shape our market. Feel free to check it out if you’re interested: 

5. Restrictive Zoning Laws

The fifth factor that’s contributing to our housing crisis is how local zoning laws can limit the type of home you’re allowed to build. Often times, these zoning laws fail to evolve with emerging needs. 

According to an article published by NPR, the Chief Economist of the National Association of Home Builders cites overly restrictive zoning laws as a contributor to the housing shortage. Zoning restrictions are widespread in all 50 states, according to the National Low Income Housing Coalition, which cites a 2019 analysis that found up to 75% of residential land across major U.S. cities is zoned exclusively for detached single-family homes.  

Many of these single family lots are larger lots and can feasibly hold two or three homes on them. However, due to zoning laws, you’re restricted to what you can build on them. 

Other zoning laws may restrict more dense housing options like town homes, apartments or multi-unit developments. 

6. Potential Solutions To Our Housing Shortage

Are we doomed? Maybe not! While we don’t know what the future holds, there are a number of scenarios and steps that could ease the housing shortage in upcoming years!

1. Zoning “Find the Missing Middle” : A recent zillow survey found broad support for the “missing middle” homes in residential neighborhoods. They found that even modest densification measures, like allowing 2 units on 10% of single family lots in large metro cities could boost housing supply enough to slow home price appreciation.

2. De-Incentive Investment: We could create legislation that restrains institutional investors from purchasing homes.  We could also lower capital gains tax temporarily to incourage mom and pop investors to sell

3. Incentivize New Construction: We could create financial incentives that would encourage builders to build new homes that are within reach of many first-time home buyers.  The possible incentives run the gamut from federal supports and subsidies to better terms on construction loans to fewer local regulations and restrictions that sinificaltnly add to builders costs.

 

If you have a mortgage, your property taxes will be escrowed. Your mortgage lender will take a small amount every month to pay your taxes and homeowners insurance on your behalf once a year. If this is the case you don’t have to budget for these, they will be included in your mortgage.

When you’re shopping for homeowners insurance you should do your homework. The #1 mistake I see homebuyers make is that they don’t talk to a professional insurance agent right from the start. Right when your offer is accepted you should begin talking to homeowners insurance representatives. This will give you time to make sure there are no historical losses or claims that have never been fixed. You’ll also have more time to obtain a better idea of what type of insurance is best for you to cover those emergencies. This is very important in case anything happens, you’ll have the right insurance to cover it.

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The Future Of The Housing Market

Personally, I believe that we’ll be grappling with this inventory shortage in the housing market for the next decade or so. There’s no quick or easy fix to inject more homes into the market—homes take time to build. Therefore, it’s likely we’ll see a gradual shift over time if we start making the right moves now. As long as this inventory shortage persists, the market will likely remain red hot. Essentially, it’s a classic case of supply and demand.

The demand in the greater Charlotte area is strong, and with Generation Z now starting to buy homes, we’re looking at even more demand on the horizon, while supply remains an issue.

I believe the next significant shift we could see in the housing market will come when mortgage rates begin to fall. Although the Federal Reserve has hinted that it may not start reducing rates for another one to two years, once they do, many potential homebuyers and would-be sellers who have been waiting for lower rates will likely enter the market. This will not only boost demand but also increase the supply of homes as homeowners who refrained from selling over the past few years due to high rates will also start to sell.

If you are considering buying, selling, or investing in real estate myself and my team would love to be your real estate resource of choice. Feel free to call, text, or email us today! We would love to discuss your personal goals and identify the best plan of action to help you achieve your goals.

 

 

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📧Email: info@thefinigangroup.com

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THE 10 MISTAKES TO AVOID WHEN SELLING YOUR North Carolina Home

THE 10 MISTAKES TO AVOID WHEN SELLING YOUR North Carolina Home

by | May 12, 2023 | Selling My House

When it comes to selling your home, most folks want to sell fast and for top dollar. To help you achieve that goal, we offer these insider tips on the 10 mistakes to avoid when selling your North Carolina Home. 

THE 10 MISTAKES TO AVOID WHEN SELLING YOUR North Carolina Home

In This Article We’ll Cover:

  1. Pricing the home too high

  2. Being unaware of where you home fits within the current real estate market

  3. Not knowing what buyers are looking for in today’s North Carolina real estate market.

  4. Investing in home improvements that won’t yield a high return on investment

  5. Limiting your home’s exposure to potential buyers.

  6. Not preparing the home for showings

  7. Making your home difficult to see.

  8. Not preparing for the buyer’s inspection of your home.

  9. Using an inexperienced or amateur Realtor.

  10. Losing perspective.

Mistake #1: Pricing the home too high

 

A home is most attractive to potential buyers when it is new to the market; it loses its shine the longer it is for sale. If you price your home too high at the beginning, you may miss a crucial opportunity to attract buyers. Even if you later lower your price, some buyers may remember they originally dismissed your home and not give it a second look. It’s the equivalent of your home becoming shop worn.

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Mistake #2: Being unaware of where you home fits within the current real estate market.

It pays to be aware of the competition that your home will face when it is on the market. To that end, we suggest you take a look around at the other homes for sale in your neighborhood and the surrounding neighborhoods. Pretend you’re a buyer and compare your home to what else is on the market. If you can, take off the rose-colored glasses to honestly assess how your home’s condition and location stacks up. With this information in mind, you will have a better idea of how to price your home so that it is exciting to potential buyers.

 

Mistake #3: Not knowing what buyers are looking for in today’s North Carolina real estate market.

Buyer preferences change over time. There was a time that buyers wanted a fixer upper, but these days buyers in North Carolina want homes that are “turn key,” meaning they require no fix up, remodeling, or initial maintenance. That can pose a challenge for North Carolina homeowners that have charming, albeit somewhat quirky older homes. There are ways around this. If you’re worried about the condition of your home, let’s talk. 

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Mistake #4: Investing in home improvements that won’t yield a high return on investment.

 

You know those HGTV shows where the homeowners invest $10,000 and then make a huge return on their investment? It doesn’t always work out that way. In fact, we’ve seen a lot of homeowners spend significant resources to remodel parts of their home that we know from experience aren’t going to add value to the bottom line of the sales price. If you know you are planning to sell your home, talk to an experienced Realtor before investing in a remodel. We know what changes will get you the most bang for your buck, what exterior paint colors tend to turn buyers off, and what little changes can have a big impact. If you would like to know what renovations make the most sense, click here!

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Mistake #5: Limiting your home’s exposure to potential buyers.

Homes won’t sell if they aren’t seen by potential buyers. Yet, some homeowners attempt to cut costs by selling their home on their own without the expertise of a Realtor. Similarly, other homeowners sell to an individual buyer before the home is ever officially marketed. And in other cases we find “pocket listings” where a home is marketed for sale privately by a Realtor without putting it in the real estate sales database, usually to protect the seller’s privacy. Each of those scenarios limit the amount of exposure your home will receive, and that, in turn, can result in a slower sale and a loss of profit.

When you list your home for sale with a Realtor they will put the home in a real estate database called the Multiple Listing Service (MLS for short). Listing your home in the MLS offers the property the greatest exposure because it is actively marketed to all 20,000+ Realtors in the Charlotte-metro area, and it is also usually automatically syndicated and displayed on third-party sites like Zillow or Trulia where it reaches an even larger audience of potential buyers.

Indeed, the data suggests more than 90% of North Carolina homes sell from the MLS. Withholding a property from the MLS significantly diminishes these marketing opportunities, and often does not yield the highest price for the property.

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Mistake #6: Not preparing the home for showings.

 

As you might imagine, messy homes with piles of laundry and a sink full of dishes don’t show well. While your home is for sale, it is important to make it appealing to buyers. So make the beds, put away the laundry, wipe the counters, sweep the floors, and put your home’s best foot forward. Not sure where to start? Review our checklist for preparing your home for showings. Would you like to learn how to best prepare for showings? Click here!

 

 

Mistake #7: Making your home difficult to see.

 

 

It’s a total pain to have to vacate your house every time someone wants to see it. And yes, potential buyers will want to see your house at times that aren’t convenient for you. Even so, do your best to accommodate them. Most showings that are refused don’t get rebooked; instead your home just gets eliminated. Along those same lines, strict showing rules with limited hours of availability will also decrease the likelihood of your home being seen. And homes that aren’t seen aren’t sold.

 

Mistake #8: Not preparing for the buyer’s inspection of your home.

Many real estate transactions fall apart after the buyer has the home inspected. To remedy some of this deal turbulence, we suggest that sellers have their home pre-inspected. Doing so will let you know if there are any underlying issues with your home so that you can either fix the problem before you put it on the market or adjust the price of your home accordingly. Providing potential buyers with a copy of the home inspection before the home is under contract also reduces the likelihood that the buyer will come back and attempt to re-negotiate the purchase price based on the outcome of their own inspection.

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Mistake #9: Using an inexperienced or amateur Realtor.

There is no substitute for finding a Realtor who has sold homes in and around your neighborhood for many years. Too often we see listings languish on the market because they have poor photographs and are not successfully marketed by the real estate agent. We’ve also negotiated many deals where we’ve used a Realtor’s inexperience and lack of knowledge of the local market to get an amazing deal for the buyers we represent. Don’t let yourself be that person. Pick a Realtor who has a track record of success and intimate knowledge of North Carolina real estate. You want someone who has experience with all aspects of North Carolina’s real estate cycle, who can easily navigate market fluctuations, foresee potential deal turbulence, who will aggressively market your home to sell, and has the skill to counsel you through the process.

Mistake #10: Losing perspective.

You love your house. And you expect everyone else to love it too. It can hurt when a buyer doesn’t love it as much as you do. And it can even be offensive when a buyer makes an extremely low offer. But in the long run, it doesn’t matter what you paid for your home, how much you love it, or how much money you invested in renovations. The deciding factor is what a buyer thinks it’s worth. Save yourself some stress and heartache by keeping things in perspective. Like you, the buyer is just trying to get the best deal possible. It’s not personal.

At The Finigan Group we use intelligent strategies that get results. Over the years we’ve learned what works to help our clients win deals, regardless of market conditions. Our statistics prove this point. Our homes sell 3x faster and for 8 – 19% more than similar properties. Our experience, thoughtful tactics, and training benefit our clients’ bottom line. We can put our methodical system to work for you too. Contact us today for a no obligation, no BS consult on selling your North Carolina home.

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Zillow Zestimates: How Accurate Are They?

Zillow Zestimates: How Accurate Are They?

by | May 11, 2023 | Home Ownership Education, Selling My House

In the world of real estate, there’s one topic that consistently ignites a spirited debate among buyers, sellers, and industry professionals alike — the accuracy of Zillow’s Zestimate. Is it trustworthy? Can it be relied upon to determine the true value of your home? Today, we’re going to delve into an unbiased analysis of Zillow’s infamous Zestimate, revealing whether it’s a tool you should be utilizing or not.

Our goal is to take a non biased look at Zillow’s Zestimate and identify if you can use it to accurately estimate your homes value.

Let’s unravel the mystery together, shall we?

Today, we’re going to embark on a two-part journey of discovery. First, we’ll unravel what the Zestimate truly is, and then, we’ll shed some light on the facts often hidden in plain sight. By the end, you’ll have insights you’ve probably never come across before. In this article, we’ll cover:

 

  1. What is a Zestimate? 

  2. How is a Zestimate Calculated

  3. Zestimate’s Accuracy

  4. How to Update Your Home’s Information on Zillow.

  5. The Role of Zestimates in Today’s Housing Market 

  6. What’s Your Home’s True Value?

 

1. What is a Zestimate?

In simple terms, a Zestimate is Zillow’s estimated market value for a home. Zillow uses a sophisticated algorithm that considers a wide range of information to provide this estimate. The Zestimate is not an appraisal, but it can offer a starting point for understanding a home’s value.

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2. How is a Zestimate Calculated?

Zillow’s Zestimate algorithm uses a proprietary formula, which considers many data points. These can include physical attributes, such as square footage, number of bedrooms, and bathrooms, as well as location-specific elements such as proximity to amenities, neighborhood trends, and local market conditions. It also takes into account historical and current transaction data, like recent sales of similar homes in the same area.

However, it’s important to note that Zestimates don’t account for everything. They don’t consider certain elements, like recent renovations or unique features and interior finishes, as this kind of information might not be available in public records or reported to Zillow.

Obviously, the best way to get an accurate evaluation of your home’s value is to hire an appraiser or chat with an expert real estate agent in your area!

 

3. Zestimate’s Accuracy

Zillow has been transparent about the accuracy of their Zestimates, stating that it has a median error rate of roughly 2-3% for on-market homes. This means that half of the Zestimates are within 2-3% of the selling price, and half are off by more. The accuracy can vary depending on the location and the availability of data in a particular area. To judge Zillow Zestimate’s accuracy levels, there are two different categories of Active, or On-Market listings, and Off-Market listings.

The Active Listings Accuracy section are the homes that are currently listed online. Zillow breaks down the accuracy down by state, but it can be narrowed down to your specific city. Researching Charlotte’s data for homes that were listed online and sold, 78.6% of the time the Zestimate was within 5% of the sales price. 93.8% of the time the Zestimate was within 10% of the sales price.  According to that data, the values are pretty accurate between the Zestimate and the current list price of a home.

Comparing the Off-Market sales data, only 41.44% of the homes sold were within 5% of the Zestimate price. That’s 78% for active listings versus 41% off-market, which is a big difference!  Zillow is much less accurate when it comes to off-market homes than when it comes to active listings. 

Researching homes currently listed for sale in the Charlotte, NC market the Zestimate changes whenever the home is officially listed for sale.  For example, a home is currently on the market listed at $689,000 and the Zestimate is at $702,000, a difference of $13,000.  The Zillow Zestimate appears pretty accurate. When taking a closer look at the home value button on Zillow, it will take you down to a chart that shows a Zestimate chart over time. The Zestimate value shown on the example’s home right before it was listed was $509,000.  When the home was officially listed for sale, the value jumped up to $702,000!  Now, that’s a big difference!

Check out the video for several other examples of Zestimates before and after a home is listed in the active market and how they mimic the actual list price!

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4. How to Update Your Home’s Information on Zillow

The information that Zillow has on your home may be incorrect. There is a way you can update your information on Zillow to get an updated value on your home. Go to Zillow’s website and “Claim Ownership” of your address, verify ownership, and “Update Facts”.  Correcting the number of  bedrooms and bathrooms, square feet of your home, and other features will provide an updated Zestimate.  

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5. The Role of Zestimates in Today’s Housing Market

In today’s digital-driven housing market, Zestimates play a significant role. They offer a quick, easy-to-access estimation of a home’s value. However, Zestimates are a starting point and not a definitive appraisal of a home’s value. They are a helpful tool but should be supplemented with professional appraisal, comprehensive market analysis, and expert real estate advice.

Zestimates are a valuable tool in today’s fast-paced, information-hungry real estate market. They provide homeowners and prospective buyers with an immediate, albeit rough, estimate of a property’s worth. But remember, while they are a good starting point, nothing beats the human touch and local market expertise that a professional realtor can provide.

6. What is Your Home’s true value?

If you’re curious on what your home’s TRUE value is? Want to know how much it could be worth on the market? Sign up for a free home evaluation today! Our expert team will provide you with an accurate and comprehensive report, giving you insight into the current market and helping you make informed decisions about your property. Sign up now and take the first step towards unlocking the TRUE potential of your home!

As your trusted realtor, I’m here to help you make the most of your assets and guide you on this rewarding journey. If you’re ready to explore the possibilities that your home’s equity offers, don’t hesitate to reach out.

Thank you for taking the time to read this article. I’m excited to assist you in unlocking the full potential of your home’s equity and creating a lasting legacy for your family.

Contact us through:

📱 Call/Text Direct (704)-631-3977

📧 Email: info@thefinigangroup.com

💻 Website: www.thefinigangroup.com

 

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Is Zillows Zestimate Accurate?

How do rich people become wealthy?  How do successful individuals become generationally wealth?

How do rich people become wealthy?  How do successful individuals become generationally wealth?

by | May 3, 2023 | Home Ownership Education, Home Sellers and Buyers, Moving to Charlotte NC, Selling My House, Uncategorized

How do rich people become wealthy?  How do successful individuals become generationally wealth? Well, I was recently asked by a wise sage, “do you know how rich people become wealthy?”  Join Adam Kelly & I as we reveal how the wealthy build generational wealth!

Today we will  walk you through the different ways that you’re able to utilize your equity to better your financial position, invest, and pay off debt. They will also discuss the different tools and methods of extracting wealth from your home’s equity. Here’s a few things that we will cover: 

In This Article We’ll Cover:

  1.  Ways to Use Your Home’s Equity to Build Wealth

  2.  Ways to Access Your Home’s Equity

  3.  How to Save Thousands on Your Mortgage

  4. Private Mortgage Insurance

  5. What’s Your Homes’ TRUE Value?

1. Ways to Use Your Home’s Equity to Build Wealth

 

Home equity is often the largest asset for many American families, yet many are unaware of the incredible opportunities to leverage this asset to build wealth. However, with the right approach, your home equity can work for you and your family to unlock the potential of your property’s value.

One of the most effective ways to increase your overall wealth while still enjoying the benefits of homeownership is by building your home equity. With refinancing, you can access the equity in your home and utilize it to pursue a variety of investment strategies to increase your total wealth. Whether you want to invest in your business, pay off debts, or make home improvements, home equity refinancing can be an excellent option for you.

By unlocking the value of your home equity, you can invest in strategies that align with your financial goals, which could potentially help you build significant wealth over time. With careful planning and expert guidance, you can make the most of your home equity to create a stronger financial future for you and your family. Here’s a few of the ways you can use your equity to better your financial position:

1. Paying off credit card bills: The average credit card APR is now about 16%, so using a home equity loan to pay off high-interest credit card bills can be smart.

After all, some banks offer home equity loans with rates around 6%. If you transfer high-interest credit card bills to a home equity loan with a rate that’s less than a third of what you’re paying on your credit cards, you could save money and pay down debt faster.

2. Consolidate other debt: While credit card debt is one option for debt consolidation, don’t forget you can use home equity to consolidate other types of debts. The key is choosing debts that have a higher interest rate than you could get with a home equity loan.

If you have a high-interest personal loan, auto loan, or private student loan and have a lot of equity in your home, for example, using your home equity could be smart. Consolidate all your debts with a home equity loan with low or no fees and a lower APR, and you could save big over the long haul.

3. Home improvements: Did you know that you can use your home equity to increase the value of your property and build your wealth? Many homeowners are leveraging this opportunity by using home equity loans to make important home improvements or upgrades.

According to Remodeling Magazine, the top three improvements that yield the highest return on investment are garage door replacement (93.8% cost recouped), manufactured stone veneer (92.1%), and a minor kitchen remodel (72.2%). By investing in these upgrades, you can boost the value of your property and enjoy a higher return on your investment.

But it’s not just about the numbers – any remodeling project can pay off if you personally find value in it. If you’ve always wanted a new kitchen and need to borrow to make it happen, a home equity loan is a smart and affordable option. And if you qualify according to IRS rules, you can even deduct the interest on home equity loans when the funds are used to “buy, build, or substantially improve the taxpayer’s home that secures the loan.”

4. Home additions: Are you running out of space in your beloved home? Well, don’t let limited square footage hold you back! With home equity, you can add an addition to your property and increase its value while also avoiding a pricey move.

Whether you need a new family room, bathroom, mudroom, or bedroom, adding some extra space could be just what you need. And the good news is that you don’t have to dip into your personal savings to make it happen. A home equity loan is an affordable and accessible option that can help you fund your dream addition.

By expanding your living space, you’ll not only enhance your daily life but also increase the overall value of your property. And let’s face it – who doesn’t want a little extra room to breathe and relax in their own home?

5. Down payment for investment property: Looking to level up your real estate game and become a landlord or commercial property owner? Well, get ready to dish out a hefty down payment! But before you start dipping into your personal savings, there’s a smarter way to get the cash you need – with home equity.

By tapping into the value of your property, you can secure a home equity loan with a competitive interest rate, allowing you to pursue your real estate dreams without breaking the bank. And let’s be real – who wouldn’t want to make passive income from a rental property or have a commercial space to call their own?

With a home equity loan, you can unlock the value of your property and use the funds to invest in real estate ventures that align with your financial goals. And since home equity loans are secured by your property’s value, you’ll likely qualify for a more affordable interest rate than other types of loans.

6. Starting a business: Ready to turn your entrepreneurial dreams into reality? Look no further than your own home! By tapping into your home equity, you can access the funds you need to start a business – whether that means opening a franchise or starting your own company from scratch.

With a home equity loan, you can get a sizable chunk of money upfront without having to drain your personal savings or take out an expensive small business loan. And let’s be real – every entrepreneur knows that startup costs can quickly add up, so having access to affordable funding is crucial.

And with careful planning and expert guidance, you can use your home equity to start a successful and thriving business. So don’t let a lack of funding hold you back from pursuing your entrepreneurial dreams.

7. Use for an emergency:When life throws you a curveball, having a backup plan can make all the difference. That’s where home equity comes in handy. While home equity loans offer a fixed lump sum, fixed interest rate, and fixed monthly payment, a home equity line of credit (HELOC) works like a credit card, giving you the flexibility to borrow against your equity as needed. 

With a HELOC, you can rest easy knowing that you have a financial safety net to fall back on in case of emergencies. Whether it’s unexpected medical bills, a job loss, or a health scare, a HELOC can provide you with the funds you need to weather the storm.

And the best part? If you don’t use your HELOC, there’s no need to worry about repayment. Plus, since any cash you borrow is secured by the equity in your home, you can enjoy much lower rates than traditional credit cards or loans.

Of course, it’s always best to have an emergency fund in place, but a home equity loan or HELOC can be a reliable backup plan if you don’t yet have one. Just be sure to compare HELOCs and watch out for fees to ensure you get the best deal.

Home equity is a powerful asset that many families underestimate when it comes to building wealth. By refinancing and unlocking the value of your property, you can use your home equity to pursue various investment strategies. Whether it’s paying off credit card bills, consolidating debt, making home improvements or adding an addition to your home, you can use your home equity to increase your wealth and financial stability. You can also tap into your home equity to fund your real estate ventures, start your own business or have a financial safety net in case of emergencies. With careful planning and expert guidance, home equity can be a valuable tool for creating a stronger financial future for you and your family. 

 

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2.  Ways to Access Your Home’s Equity:

Now, how do we access your home’s equity? There’s a few popular methods for tapping into the butt load of cash you’re currently sitting on: cash-out refinancing, refinancing, and Home Equity Lines of Credit (HELOCs). By understanding these options, you can make informed decisions that best suit your financial goals, whether you’re upgrading your living space, managing debt, or embarking on new endeavors. 

 

1. Cash-out Refinancing: Sail Away with Extra Cash Cash-out refinancing is like discovering a hidden island filled with gold. You replace your current mortgage with a new loan for more than you owe on your home, and then pocket the difference. It’s a popular choice for homeowners looking to access their equity while potentially lowering their interest rate or changing their loan term.

Advantages:

1. One loan to manage: By consolidating your mortgage and home equity, you’ll only have one monthly payment to worry about.

2.Tax benefits: In some cases, the interest you pay on a cash-out refinance could be tax-deductible.

Disadvantages:

1. Closing costs: Just like with your original mortgage, you’ll need to cover closing costs, which can be 2-5% of the loan amount.

2. Long-term commitment: If you extend the loan term, you might end up paying more interest over time.

2. Refinancing: Smooth Sailing to a Better Mortgage Refinancing is like swapping your old rowboat for a shiny new yacht. It involves replacing your current mortgage with a new one, typically to secure a lower interest rate, reduce your monthly payments, or change your loan term.

Advantages:

1. Save money: Lowering your interest rate can save you thousands over the life of your loan.

2. Flexibility: You can choose a new loan term that better suits your financial needs.

Disadvantages:

1. Closing costs: Just like with cash-out refinancing, you’ll need to pay closing costs on a new loan.

2. Time-consuming: The refinancing process can take several weeks or even months to complete.

3. HELOCs: Float on a Flexible Line of Credit A Home Equity Line of Credit (HELOC) is like having a trusty life raft on hand. It’s a revolving line of credit that uses your home as collateral. You can borrow against your home’s equity, repay the funds, and borrow again as needed during the draw period, usually 5-10 years.

Advantages:

1. Flexibility: You only borrow what you need, when you need it, making it perfect for ongoing expenses or projects.

2. Interest-only payments: During the draw period, you may have the option to make interest-only payments, keeping monthly costs low.

Disadvantages:

1. Variable interest rates: HELOCs typically have variable interest rates, meaning your payments could rise if rates increase.

2. Risk of foreclosure: Failing to repay your HELOC could result in the loss of your home.

Unlocking your home’s equity can be a fantastic way to achieve your financial goals, but it’s essential to weigh the pros and cons of cash-out refinancing, refinancing, and HELOCs. Consider consulting a financial advisor or mortgage professional to help you decide which option is the best fit for your unique circumstances. With the right strategy, you’ll soon be sailing the high seas of financial freedom!

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3. How to Save Thousands on Your Mortgage:

 

There is a simple yet powerful strategy to save you tens of thousands of dollars: paying a little extra towards your mortgage each month. This small step can save you thousands of dollars over the life of the loan and help you become mortgage-free sooner.

When you pay more than the required monthly payment, the extra amount goes directly towards the principal balance of your loan. This reduces the overall balance and, in turn, the interest accrued on that balance. The benefits are twofold: you’ll pay less interest over time and shorten the term of your mortgage.

Let’s illustrate this with an example. Imagine you have a 30-year mortgage for $250,000 at a 4% fixed interest rate. Your monthly principal and interest payment would be approximately $1,193. If you were to pay an additional $100 per month, you would save over $26,000 in interest and shave off more than four years from your loan term!

If you’re considering this approach, check with your lender to ensure there are no prepayment penalties and confirm that the extra payments will be applied to the principal. You can also use online mortgage calculators to help visualize the long-term savings this strategy offers.

By consistently paying a little extra each month, you’re investing in your financial future. The thousands of dollars saved in interest can be redirected towards other financial goals, such as retirement, education, or home improvements.

 

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4. Private Mortgage Insurance 

Private Mortgage Insurance (PMI) is an insurance policy that protects lenders from potential losses if a borrower defaults on their mortgage. It’s typically required when a borrower puts down less than 20% on a conventional home loan. PMI reassures lenders, making it possible for more people to qualify for mortgages with smaller down payments.

The cost of PMI varies based on the size of your down payment and credit score, and it’s usually added to your monthly mortgage payment. The good news is that PMI isn’t permanent. There are several ways to remove it:

1. Automatic cancellation: Under the Homeowners Protection Act, lenders must automatically cancel PMI when your loan balance reaches 78% of the original property value, provided you’re current on your payments.

2. Request cancellation: Once your loan balance falls to 80% of the original property value, you can request PMI cancellation in writing. Your lender may require a home appraisal to verify the value.

3. Refinancing: If your home has appreciated in value or you’ve made significant improvements, you might be eligible to refinance your mortgage without PMI, provided your new loan balance is 80% or less of the home’s current value.

Keep track of your mortgage payments and home’s value to ensure you’re not paying PMI longer than necessary. Removing PMI can save you money, allowing you to reach your financial goals faster.

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5.  What’s Your Homes TRUE Value?

 

If you’re curious on what your home’s TRUE value is? Want to know how much it could be worth on the market? Sign up for a free home evaluation today! Our expert team will provide you with an accurate and comprehensive report, giving you insight into the current market and helping you make informed decisions about your property. Sign up now and take the first step towards unlocking the TRUE potential of your home!

 

 

In conclusion, the secrets of the top 1% are within your grasp. By leveraging your home’s equity and utilizing strategies like cash-out refinancing, HELOCs, and real estate investments, you can create generational wealth for your family. We hope this article has inspired you to take action and explore the possibilities that your home’s equity offers.

As your trusted realtor, I’m here to help you make the most of your assets and guide you on this rewarding journey. If you’re ready to explore the possibilities that your home’s equity offers, don’t hesitate to reach out.

Thank you for taking the time to read this article. I’m excited to assist you in unlocking the full potential of your home’s equity and creating a lasting legacy for your family.

Contact us through:

📱Call/Text Direct (704)-631-3977

📧Email: info@thefinigangroup.com

💻Website: www.thefinigangroup.com

 

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how to build generational wealth with your home's equity
Mecklenburg County Property Tax Value Skyrockets! What does this mean for you?

Mecklenburg County Property Tax Value Skyrockets! What does this mean for you?

by | Mar 24, 2023 | Home Ownership Education, Selling My House

Attention homeowners of Mecklenburg County, NC!

 

Brace yourselves, because changes are coming to your property taxes. If you own property in Mecklenburg County, you may have already received a notice in the mail regarding your new property value.  That’s because the county is in the midst of re-evaluating its property taxes this year.  Mecklenburg began mailing out notices to over 400,000 home owners on March 17th.

This process has significant implications for homeowners in the area, and it’s important to understand what’s happening, why it’s happening, and what you can do to prepare. In this blog, we’ll dive into the details of Mecklenburg County’s Property tax re-evaluation and provide valuable insights for homeowners who want to stay informed and ahead of the game. So buckle up and let’s get started!

In This Article We’ll Cover:

  1.  Why’s This Happening?

  2. Lower Value Homes See Highest Tax Value Increase

  3. How the New Tax Rate Will Be Determined

  4. City’s & Towns Set Tax Rate

  5. Do You Have Questions? Here’s where you can get answers! 

  6. How To Appeal Your Revaluation 

  7. Tax Relief Options

  8. Your Homes TRUE Value

 

Mecklenburg County Property Tax on the rise

1. Why’s This Happening?

North Carolina law requires all counties to conduct a property revaluation at least every eight years. Mecklenburg County currently conducts revaluation every four years. Don’t be surprised to find some bigger numbers compared to the last time your property was valued in 2019.

The property revaluation is the culmination of more than 2 years of work. The Assessor’s Office monitors market data to accurately determine the market value of all properties. Staff visit and observe properties to verify characteristics, compare similar property sales and consider improvements or changes made. Revaluation captures these changes in value for property tax purposes. Properties are revalued to ensure assessed values are based on the current market and establish equalization for property owners throughout Mecklenburg County.

Nearly all of the county’s more than 400,000 residential properties saw an increase in market value. The value of some parcels increased more than three-fold, according to a Charlotte Observer analysis of those parcels

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2. Lower Value Homes See Highest Tax Value Increase

The median value of real estate in Mecklenburg County is up by about 51% from 2022. That includes a 58% increase for all residential properties and 41% for commercial. People with homes priced on the lower end of the spectrum should expect to see the biggest increases to their tax bills. That’s because less expensive homes jumped the most in value over the past four years. Neighborhoods to the north and west of uptown are expected to see some of the highest property value gains. 

 

 

 

 

But higher values don’t necessarily mean your property tax bill will go up. Local governments will set tax rates this year, at which point property tax bills will be sent out. You don’t need to wait on your letter in the mail to check your updated tax value,  Click Here  to view your updated value.

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3. How The New Tax Rate Will be Determined

 

The tax rates set by local governments could be lowered in favor of a revenue- neutral rate (the rate needed to bring in the same amount of money as the previous years budget). By law, local governments are required to publish the revenue-neutral rate, but can choose to set it higher or lower.  

 

Mecklenburg County commissioners will consider the new property values when setting the new rate. After making the new revenue neutral rate public, the commissioners will determine what rate must be set to bring in enough revenue to pay for public services without overly burdening residents.  Commissioner Leigh Altman said she considers three things hone setting the rate: 

1. Fairness

2. Those already tax burdened 

3. Quality infrastructure and services 

That rate applied to property owners’ new value will determine the amount owed on tax bills this year.  Overall, property owners shouldn’t be surprised to see an increase in their tax bill.  

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4. City & Towns Set Tax Rates

If you live in the city of Charlotte or a town in Mecklenburg County, those boards will set a municipal tax rate, too.

Things like inflation, recession fears and needs for city and county services and infrastructure will impact leaders’ decisions when setting the tax base.

City Councilman Ed Driggs said inflation also has resulted in inflated incomes. Both the city and county gave their employees pay raises in last year’s budget. Social Security fixed incomes increased by 8.7% to adjust for the cost of living in 2023.

“People have more capacity to pay property taxes as well,” Driggs said.

5. Do you have Questions? Here’s Where You Can Get Answers 

Staff from the Assessor’s Office are ready to answer questions and assist all property owners. Owners can call 980-314-4226 or email AssessorQuestions@meckNC.gov

In addition, the Assessor’s Office has scheduled two Property Tax Resource Fairs, to speak with residents about their new values and options for property tax relief for eligible owners.


 

 

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6. How to Appeal Your Revaluation 

Property owners who believe the new assessed value doesn’t align with what it could sell for have two options: an informal review and a formal appeal. An informal review allows the owner and assessor to review the revaluation notice together and correct errors without an appeal. However, a formal appeal is sent for review by the Board of Equalization and Review (BER), a citizen volunteer board that listens to the appeals.

If you are a property owner and you would like to appeal the new assessed value, you can do this on the same page where you locate your new property revaluation.

Overall, Mecklenburg County’s property tax re-evaluation is a necessary process that helps ensure that homeowners are paying a fair amount in property taxes based on the value of their property.  By understanding the process and taking proactive steps, homeowners can be better prepared for any potential changes to their property tax bill.

 

7. Tax Relief Options 

As a result of the revaluation, some property owners in Mecklenburg County may experience an increase in their property taxes. The county government has taken steps to make this process as transparent as possible, providing property owners with information on how their assessments were calculated and offering opportunities for appeals.

 

However, for those who may experience an increase in their property taxes, the county has also introduced several tax relief options to help alleviate the financial burden. These include property tax exemptions for seniors, the disabled, and veterans, as well as programs that provide assistance to those who are struggling to pay their property taxes. Please Click Here for a complete list of the different tax relief options available. 

8. What’s Your Homes TRUE Value?

 

If you’re curious on what your home’s TRUE value is? Want to know how much it could be worth on the market? Sign up for a free home evaluation today! Our expert team will provide you with an accurate and comprehensive report, giving you insight into the current market and helping you make informed decisions about your property. Sign up now and take the first step towards unlocking the TRUE potential of your home!

 

 

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